FD Laddering : Generate Monthly Cash Flow Regularly

[@finance.boosan]

Invest in high-return FDs and earn 9.5% returns 👇 : stablemoney.onelink.me/rkWL/l4ymlarc

[@arunkumar-zo6yr]

NPS investment it's worth or not kindly make one video Bro

[@kannanmeenu65]

liquid fund la pottu vachitu thevapadrapo knja knjam yedukalam la brother....edhum oru way ah irukum la..

[@balanagendran]

Is it a Paid VIdeo for that APP?

[@SURYAPRAKASH-vl1to]

Hi sir how can I speak with you

[@jayashreegopakumar3200]

NRI can use this App for F.D?

[@balakumar7409]

See the video from 7:29 and save your time

[@banuchandar4860]

🎉🎉🎉🎉

[@geethanjali2396]

Thanks

[@dark-ly5ke]

Thanks bro

[@RaguKc-l9s]

Ignore video. Save time

[@naz2041]

fd ku tax irruku nu எங்கேயும் சொல்லவில்லை

[@govardhans4026]

Glad you are a youtuber and never misses a chance to educate us about finances

[@rajapandi_offl]

' how to buy a stock (with an example fundamental analysis ) and which platform is best (with brokerage commision ) ' Intha maathiri very very basic content pannunga anna... Ithu very first Beginners(like me) ku use aagum😊

[@VivasayaThozhil]

I need to

[@justmanoj9674]

Yow millitary nee enna Inga.

[@RAMMOORTHYK-r4i]

i also nee bro

[@SuriyaPrakash-d1b]

Yenakum intha Mari video venum podunga bro

[@ajpurushoth7663]

Check his channel bro He already did lot of videos abt that

[@ick6698]

பகிர்ந்தமைக்கு ரொம்ப நன்றிங்க... வாழ்க வையகம் வாழ்க வளமுடன்

[@Dhilipan_Raj_S]

Installed stable money app.did 1k for 7days FD just to try.Thnaks boosan

[@AJITHKUMAR-vs1mh]

Brother tell about RD, beacuse lot of people doesn't have amount of 25,00,000. Most of people in india are earning 20k - 30k. The RD will help generate Big amount in the end of the period. From that amount they can convert into FD and then if they want any loans they will 90% over draft that. Lot of people are search for the personal loans this will helpful for them.

[@muthu3398]

Rd waste 🙄 return ye kidaikathu

[@AJITHKUMAR-vs1mh]

@muthu3398 5000 per month at 7.8 ROI for ten years, total amount invested 6,00,000 returns 9,07,896. 3,07,896 intrest. 50%+ percent returns

[@VoidmainGuy]

Thanks. 1. Actually it is a pain to do KYC with each small finance bank in stable money. It would be great if stable money saves and reuses the same kyc and exchanges with small finance bank upto certain threshold say (3 months) 2. Ensure your principal stays less than or equal to 4 to 4.5 lakhs as DICGC is upto 5 lakhs only.

[@xnivaxhzne]

Completely agreed 💯

[@prasanthaviator]

Another big problem is kyc video call process which requires person to know Hindi or English

[@xnivaxhzne]

@@prasanthaviator exactly buddy

[@sara_rk1]

How we can trust this app? Incase any issue with this app/company then ideally we have to reach the bank right?

[@xnivaxhzne]

@@sara_rk1 yes

[@govardhans4026]

Ur videos are fuel to my urge to learn more about personal finances

[@GaneTcr]

Hi ji, I've been following you for the past year and have learned a lot about investment and the stock market. Could you please make a video for people outside of India, explaining which apps and methods to use for investing in mutual funds in the US markets from locations like the USA or the UK? I’ve been browsing your channel but couldn't find this information.

[@fero___3005]

Next video Bond vs FD

[@sciences8410]

Kindly do a video about math behind hdfc life insurance

[@yash_fabregas]

9.5% is for Senior citizens. Don't get scammed 😅

[@vijays9948]

Common Misconceptions: Every bank offers a monthly payout option. The deposit interest rate varies for different periods, ranging from 7 days to 10 years. Booking deposits on a monthly basis can lead to a loss of interest. Example: HDFC Bank offers the following rates: 3.5% for 30 to 45 days 4.50% for 45 days to 6 months 5.75% for 6 to 9 months It is always better to book a deposit with the bank directly for a longer tenure to secure a higher interest rate. If cash flow is required, you can opt for a monthly interest payout. Most banks also offer a partial withdrawal option, though it may attract a penalty on the interest. Note: Do not believe promotional videos blindly. Always verify the information directly with the bank.

[@parthibangunasekaran8119]

Instead of explaining more on FD laddering, I could see more promo for Stable Money. Just my thought Boosan. Also, it would have been great if you calculated that spreadsheet in live.

[@finance.boosan]

Thank you Parthiban for your constructive feedback. I will add live calculation demonstrations in future videos.

[@tamizhanfarms3918]

Hi boosan as some one said please make a video for RD also with excel sheet calculation

[@arunkumar-zo6yr]

Your thinking knowledge and thougts Very good sir....

[@subramani.e1420]

You will post more videos regarding stable money app and Is it safe to invest that app

[@yogeshsdme]

Informative video

[@ajayprasad9919]

Vaanga na vanakanga Naa ❤

[@harivigneshram3072]

Bro, Can you please talk about SWP?

[@AnandSivaraj]

Bro Can you take time and do a brief explanation on newly introduced SIF (Specialized Investment Fund), thanks for your efforts

[@KrishnaPrasad-vo4xx]

For NRI people FD or FCNR which one is good

[@wikiirakesh6779]

So once u got the promotion with stable money, U post a video about FD😂

[@neelavathi7697]

Please make a video of SBI contara mutual fund

[@chandruarjuns217]

Is it good to invest in secured bonds?

[@mysteriousinfo9887]

Brother! Please put video on the major difference between bond and fd

[@jayavikturee]

Good info .Thank you

[@keerthigaravikumar7252]

Is stable money RBI approved?

[@ganeshk6537]

Small finance banks are safe to invest?

[@nanthakumar5913]

Could you please explain how much tax have to pay for FD interest and how to calculate. Because if we get 7% interest per year and the tax will be x% then my profit will be 7-x.

[@jenzcriz]

STCG TAX 20%, LTCG TAX12%

[@springtheyounger7560]

No.. STGC & LTGC is not applicable for FD.. Only TDS 10% is applicable only if interest per annum is more than Rs.40000.

[@viswanathanmoorthy9594]

If you're tax payer, You need to pay as per your Tax Slabs. If you're non-tax payer, you can claim TDS by filing returns.

[@nanthakumar5913]

Someone please clarify tax details

[@springtheyounger7560]

@@nanthakumar5913 If ur total annual income (including Interest & Dividends) is less than 3L, No tax. So, after you file Nil return during annual filing Of IT returns, the 10% TDS will be refunded to you. If ur total annual income (including Interest & Dividends) is B/w 3L to 6L, you have to pay 5% on (Annual income - 3L exemption) In this case you will get 5% IT refund. For income 6L-9L 10% slab, no IT refund For income 9L - 12L 15% slab, you have to pay 5% tax during IT returns. For income 12L - 15L 20% Above 15L 30% max

[@DuraiRajV-r9v]

If we go with FD laddering approach, we can’t utilise compounding effect. Right?

[@vinolife]

Reinvest in other instruments

[@finance.boosan]

It works when you reinvest both your initial investment and the profits. However, if you withdraw the interest or don’t reinvest, compounding won’t take effect. Compounding is simply put growth on your previous growth.

[@niranjansuresh151]

if i Invest on 12 Fd's , i need to wait for one year to take money montly.?

[@balanagendran]

Is it really safe to invest in FD via the Staple Money App?

[@prakash44kr]

Pls share the tax implications related to FDs

[@sairaghu7903]

Above 40 K you have to pay tax. Above 50k for senior citizens.

[@ShyamSundar-db5oh]

Hi Boosan, Bank shown in stable app are trustable ? any chance of fradulant bank? And for example If investors invest 5L in 5 different bank FD more interest rate, insurance DICGC covered for each investment? I mean for total 25L?

[@ArunSenthil1993]

Good question. There is no info on wheather these FDs without Savings account are insured.

[@finance.boosan]

Apps registered with Stablemoney include RBI subsidiaries. All RBI subsidiary banks are covered under DICGC insurance. However, it’s always wise to verify separately whether the bank you choose has DICGC insurance. Keep in mind that the ₹5 lakh insurance limit is per person per bank. This means if you have a savings account, that amount also contributes to the overall coverage limit.

[@venkataramananravisankar6959]

Bro, Is stable money registered and licensed with RBI ?. I Couldn't able to get this information.

[@ishaangupta22]

@@venkataramananravisankar6959yess it is. You can see on the stable money app under terms and conditions and privacy policy. They are SEBI and RBI registered.

[@Ithu_Action-Madam]

Bro now days naraya bank la 400 Days ku 7.5 % nu solli recommend panragga .. 400 days na bank ku thana athu benefit?

[@Arunkumar-bp2wr]

Anna i like to purchase your stock market and mutual fund course na....how i chat with you na or talk with you na..Am from pondicherry.

[@pdanielrajr]

அன்புள்ள Boosan அவர்களே கிழ்கண்ட பங்குகளில் நான் முதலீடு செய்து இருக்கிறேன் இது LONG TERM SIP தான் உங்கள் பார்வையில் எவ்வளவு சரி என்பதை கூறவும் உங்களின் பதில் எனக்கு மிகவும் உதவியாக இருக்கும் NIFTY 50 MF - 5000 NIFTY MIDCAP MF - 5000 NIFTY SMALL CAP MF - 3000 S&P 500 MF - 3000 NASDAQ 100 FOF MF - 3000 DEBT MF - 4000 இது சரி தானா ஏதும் மாற்றம் செய்யலாமா உங்கள் பதிலுக்காக காத்திருக்கிறேன் நன்றி

[@tsarath09]

Hello boosan, if we open an account in any small finance bank and deposit 5 lakhs as fd, RBi insurance will be opened by default or we should request the bank to do it

[@ishaangupta22]

It happens by default. All banks are DICGC insured.

[@vnshamprasath]

I want to save 10000 per month. Can I do multiple fd for each month, or RD for 10000. Please answer

[@lLeniCrysta]

You're doing a fantastic job! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

[@karthikv3370]

Neeng entha bank prefer panringanu mention pannunga boosan🎉❤..

[@KrishnaPrasad-vo4xx]

See if bank is giving less interest for ex of am depositing for 2 years they are giving 6 and if it is 1.1 year 7% so how this laddering with different help with more interest Less tenure ku dhan interest tharanga

[@dheepaknarayan4686]

Please also inform on the % of post tax returns. Pre-tax returns are misleading.

[@dineshm3856]

FD laddering is helpful for bankers not for investors😅💯

[@sureshunnikrishnan1985]

What about the Taxes for FD Laddering ?

[@yogeshsdme]

I have an doubt bro, Recently I got 1 ALLOTMENT in IPO I have taken my Investment amount, on listing day itself, I think it will be considered as STCG, then how will be 20℅ tax debited, Should I pay STCG TAX 20% separately, or I must make income tax filing showing my transcation details or it will be debited from my demat account how this tax is calculated, if possible please make an video about tax deduction bro I'm little confused on this 🙏

[@dark-ly5ke]

U have file income tax returns to pay that 20%

[@arunhbca]

When SGB can be expected bro ?

[@r.kavineshviiic269]

Bro reit and invit pathi podunga

[@ganeshram.k6248]

Boosan, 12 FD 20L worth amount, if bank close 5L only insurance cover. THAN Balance 15L.?????

[@Nantha_Mahi]

அதான் Different banks choose பண்ண சொல்றாரு In each bank 5 L. So total 5 Banks

[@ganeshram.k6248]

@Nantha_Mahi you mean, one bank 5L 5 FD ....

[@vnshamprasath]

In this case 6 banks, There are 12 fd, each of Rs..208000 (approx.) So maximum 2 FDs in a single bank as it will be lesser than 5L. Bank 1 - Jan, Feb (Rs.416000 - approx.) Bank 2 - Mar, Apr (Rs.416000 - approx.) Bank 3 - May, Jun (Rs.416000 - approx.) Bank 4 - Jul, Aug (Rs.416000 - approx.) Bank 5 - Sep, Oct (Rs.416000 - approx.) Bank 6 - Nov, Dec (Rs.416000 - approx.)

[@saran_ns901]

Anna monthly SIP epdi podanum every month nama app kulla poi podanuma ila athuvavae edukumma..SIP la intha month athigama inverst pananum na epdi pannanum 1 month SIP inverst pannama NXT month la panna enna agum... SIP ah stop panitu save pana money la pannathuku enna pananum

[@MeyyarasanR]

I am beginner what are the funds to buy

[@southcalder-n5r]

These past few days watching my portfolio decline is very disheartening . Holding doesn't really profit much , any idea how on how to earn better on the short run ?

[@viswanathanmoorthy9594]

If you're holding fundamentally good stock, Wait for it.

[@rajkumarsr4267]

Thanks Boosan. Excellent going. 2 Doubts. IF we deposit an amount now, interest rate is locked till tenure or it will change as per RBI policy? Second is Stable allows to submit Form15H thro single window to all banks for avoid TDS? incase if my income is below Tax Slab? Kindly clarify bro. Rajkumar, Chennai

[@srikanthsudershan8429]

One doubt sir, what if invest fd of 5 lakhs in each bank and 5 lakhs in other bank . It means insurance from Dicgc covers overall 10 lakhs or i get only protection only till 5 lakh?!

[@dark-ly5ke]

U will get only one insurance and whichever value is higher .

[@vishwatom2757]

Bro nowadays college students are eager in inverting so that can u make a long vdo or short vdo how to invest by students in college for then it can be very useful for us

[@jermyjain27]

Does stable money has any kind of charges for handling this? Also is it safe to use 3rd party apps for this purpose.

[@user-wk6cb2lk4z]

I have applied for Mamata machinery, And bid is not alloted but still the amount is not refunded. Could u tell me the steps to proceed further to get back my amount ???

[@ramans18]

Hii broo, can you please make a detailed video about Oyo share and ipo, considering it in unlisted market (long term)? Recently founder increased it's stake, and company made profit this year. It will be very useful, please share your view. Thank you ❤

[@saran_ns901]

Home loan for 20 years i want to pay 11k per month... If i reduce the year to 10 years i want to pay 17 per month.. 9% intrest If i pay 11k per month after 10 years Balance amount is 10lck and if i save the 6k money in any funds for 10 years. May i get more than 10 lck ? Average ah 10 years return minimum is more than 12% Bank interest is 9% Which one want to prefer plz reply this Mail 😢!

[@Crypto_Blaster_100]

Boosan , if I open 5 FD accounts ( 5 Lakhs in 5 banks ) .. My DICGC safety coverage is 25L .. right ?

[@senthilkumarrm5162]

Yes

[@finance.boosan]

Yes. DICGC insurance provides protection for deposits in banks, covering up to ₹5 lakh per depositor per bank. This includes savings, fixed, current, and recurring deposits combined.

[@SelvaKumar-wn2uj]

What if the stable money company bankrupt, how can we approach the bank without their bank account???

[@finance.boosan]

The bank will send deposit confirmation details with FD booking receipt to us via email and phone.

[@ragavanp6627]

​@@finance.boosan, yes FD are created and I can see it in the banks mobile app, but I didn't see an option to withdraw it directly from the mobile banking apps. Any thoughts?

[@raniraonivi6787]

Post office la MIS (Monthly income scheme) irruku.. Safe and secur... 👍

[@sajilj2596]

7.4 % interest

[@prithvik8448]

NRI can open fd using this app bro ?

[@PrasathC-p3c]

TDS maranthutinga bro. monthly interest payout la namaku yearly 40k ponichuna 10% TDS poirumla

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.

[@karmegakannanp3822]

bro please post FD vs bond Detail video

[@veluji8710]

Nastag funds eppo reopen agum bro

[@gayathrigayu2448]

Banks are telling there is a limit for FD. per PAN 40,000 interest only non taxable. So if i get 1lakh interest per annum do i need to pay tax??

[@finance.boosan]

Yes, TDS on FD interest is applicable if the interest income exceeds Rs 40,000 for individuals under 60 years of age, or Rs 50,000 for senior citizens (aged 60 years or above). The TDS rate is 10%. However, if your total taxable income is below the exemption limit for the year, you cannot claim a refund of the TDS during ITR filing.

[@gnaneshkannaa4926]

Could you please explain why we can't claim the TDS if my total taxable income is below exemption

[@VoidmainGuy]

I think he meant that you can claim the deducted TDS during tax filing.

[@gattunandakumar4566]

@@finance.boosan spelling mistake: can

[@hariprasath3819]

Reits pati video poduga bro clear explanation venum bro

[@binesh2812]

This is a full length promo video

[@arjunammu8962]

Voru periya amt ta 555 days special fd la potta ?

[@R_Srividhya.25]

6 Months க்கு 7 % வட்டி தராங்க... இது வருஷத்துல ரெண்டு முறை போட்டல் 14 % வட்டி கிடைக்கும்.

[@anbazsn1007]

No

[@rajkumarsr4267]

@@R_Srividhya.25 wrong calculation bro. epdiyum same interest than. what specified by bank. i cant add up

[@R_Srividhya.25]

@@rajkumarsr4267 Indian Bank

[@CR-gq9qg]

is stable money app trust worthy ?

[@PURPLE_LOVE_PL]

My financial situation is even more worse My debt is 100000 My income is 25000 Still I need 75000 to pay all the EMI What should I do, i am facing a huge loss on my business! I don't want a solution from your side I need to monitor it Or else replyt me, i give an excel data of my financial situation. You can figure it out and make a video of it. It will be very helpful to someone.

[@tharunadhithya4952]

Booshan jii I'm tharun 20 yrs old I'm maintaining Stock portfolio in Google Sheets there is always tracking error in Google Sheets there is always price difference in Sheets to brokerage app cmp is always differ is there any solution for that...

[@finance.boosan]

Yes, the Google Sheet is not 100% accurate and may have delays in updating values. Use it as a reference, not as the final tool for decision-making.

[@tharunadhithya4952]

​@@finance.boosan ok thanks it's make sense

[@marshmallow4519]

Ipo hdfc la account illanalum athula fd open panalama

[@tamizhlnaduindia]

Yes, need pan, bank account details

[@ARUNKUMAR-cc9rg]

Very useful video bro .. but no money 🤑

[@rmano2k7]

TDS ?

[@finance.boosan]

If your annual interest income from Fixed Deposits (FDs) is below ₹40,000, banks are not required to deduct Tax Deducted at Source (TDS). For senior citizens aged 60 and above, this exemption limit is increased to ₹50,000.

[@gnaneshkannaa4926]

Could you please re-upload this video....after deducting TDS from your calculation

[@nagarajc3379]

Sir mutual fund mutual fund answer

[@adhiv-s6w]

Annuities pathi um sollinga positive negative rendume

[@fishfish300]

Hi.. my father brought SBI share in 2000 through bank But now how to sale that share he don't know. Bank saying to open dmat account. Can anyone explain how to get it. Thank you

[@rock11899]

Without demand account how one can buy shares 😂😂😂

[@DineshXavier]

I think your father bought in physical share certificate. So your father should open demat & trading account then dematerialize those physical share certificates., for this your father should submit DRF FORM (Dematerialization request) to the broker where he holds demat account. That's all, shares will be added in demat account. Now your father can sell those shares.

[@DineshXavier]

Sir, I think your father might received dividends for those shares. If not, you can also get it now

[@manisriram8735]

Money pechula Vinod with Dana much more informative than this aracha maavu araikurathukku

[@Nantha_Mahi]

இருந்தாலும் Small Finance Bank ல 24 L போடுறது Risk

[@kavinrajt21]

Bank diwal achuna😂😂 25 lakhs ku 5 lakhs tharuvanga

[@030783raja]

Nanba, I am having ongoing life insurance (HDFC Sanchay Par Advantage) with limited period, monthly premium. Policy payment term : 6 years. Policy Term : 30 years Paid premium: 30 months Can I stop insurance and start nifty 50 or nifty 50 value 20. Please guide. *** Having Term Insurance. FYKI.

[@finance.boosan]

If this is a guaranteed income scheme, calculate the XIRR to evaluate its returns. If the return is satisfactory, it may be worth continuing; otherwise, you can consider switching to other options like index funds. Check this video for reference : kzbin.info/www/bejne/Z3u6k6dniNqXh80

[@030783raja]

@finance.boosan Boss, As you said I gone through the XIRR and found very low returns. So I surrender the policy. Nifty 50 or Nifty 50 value 20 which is good . Plan for 10 years. Please suggest

[@shrivishnu9985]

What's the major difference between Corporate AAA bonds and these types of FD Boosan bro?

[@finance.boosan]

AAA Bonds and FDs offer similar returns, with bonds providing minimal risk and some liquidity through the bond market, though returns may vary with market rates. FDs provide guaranteed returns, are insured up to ₹5 lakhs by DICGC, and offer flexible tenures with early withdrawal penalties. Choose bonds for diversification and market access, or FDs for assured returns and added security.

[@Abishek19221]

there is no single corporate issuing AAA bonds bro

[@rameshr2746]

This video topic is FD laddering but you mentioned Stable money promotion more than that Too much promotion & most of the people don't prefer this kind of app for parking their FD So a useless concept in my POV

[@arangates]

Please note that for premature closure of NRE fixed deposits (before 12 months) some banks will not pay any interest. Learnt that hard way , received 0 interest after closing 5L deposit in 10months at canara. I used to assume FDs are completely risk free as well , but there are such hidden rules which are not explicitly mentioned anywhere 😅

[@rsrselva653]

Please clarify and reply How to redeem money from stable money app after FD maturity. If possible kindly make a demo video to open FD using🎉🎉😊 stable money app

[@Thiruarasuc88]

Pls don’t recommend this kind of things. Is it safe?

[@vishnusasi7098]

😂 inflation will eat ur capital that's all

[@The_Mobile_Trader]

Just business 😂😂

[@wikiirakesh6779]

So once u got the promotion with stable money, U post a video about FD😂

[@avinashm2255]

Fact 😂😂😂

[@banuchandar4860]

So true. All is about money

[@praveens310]

Atha dhan video laye sollitare...ne ena pudhusa kandu pudicha mathiri pesitu iruka.. stomach burning ahh...

[@poovarasanperiyasamy5116]

It's obvious, if it's insurance, policy Bazar, fd stable money. And also I would contents are reduced same things repeating in my opinion

[@LE20234]

Yup

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.

[@PraveenKumar-gt9nv]

Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.